How to chat with Ask Discovery

Do I have to be a Discovery Bank client to access on Vitality Active Rewards 3.0?
Yes. You will be able to access enhanced features of the Vitality Active Rewards programme by being a Discovery Bank client. Rest weeks, rewards multiplier, sneak peeks and personalised gameboards are all available through the advanced features and security of the Discovery Bank app.

Can I still access Vitality Active Rewards without a Discovery Bank account?
Yes. You can still access the existing Vitality Active Rewards through the Discovery app. However, you will not have access to the additional benefits which are powered by the advanced features and security of Discovery Bank.

How do I get a free Discovery Bank account?
To ensure that all Vitality members have access to these exciting rewards, we have created a zero-monthly-fee account called the Ðiscovery Account. This account is available to all Discovery clients aged 18 years or older with a valid South African ID number.
Any Discovery Bank product that includes Vitality Money, including the Ðiscovery Account with zero monthly fees, can be used to unlock the advanced Vitality Active Rewards features offered in the Discovery Bank app.

I don't have a South African ID number, can I access Vitality Active Rewards in the Discovery Bank app?
Vitality Health members without South African ID numbers can continue to access Vitality Active Rewards in the Discovery app.

If I have a Discovery Bank secondary cardholder, a Discovery Bank savings account or the previous Discovery Card, do I qualify for the enhanced Vitality Active Rewards?
No. You need an account with Vitality Money linked to it. Vitality Money is our behaviour-change programme that helps you become financially healthier.
As an existing Discovery Bank secondary cardholder or savings accountholder, you can add the Ðiscovery Account to your banking portfolio at no cost, which includes Vitality Money for free. Additionally, if you have the previous Discovery Card, you can switch to a new Discovery Bank credit card product that comes with Vitality Money included as part of its monthly fees.
To start the process, simply download the Discovery Bank app, select Join the Bank, and complete the registration process by entering your existing Discovery login details. If you require assistance with switching to a new credit card product, you can also speak with your financial adviser.

Why is my weekly exercise goal increasing?
Your personalised weekly exercise goal is designed to be challenging yet attainable and will increase as your physical activity levels increase.

What are Discovery Miles?
Discovery Miles are Discovery's shared-value rewards currency that you can earn for getting healthy, driving well and spending responsibly, which can be used to spend on a range of exciting rewards of your choice.

How do you earn Discovery Miles?
Vitality Active Rewards members can earn a play on the gameboard for achieving your exercise or drive goal. Each play on the gameboard reveals hidden Discovery Miles of varying values.

Plus, save up to 20% on select rewards in the Vitality Mall. Get 5% off for every Vitality programme that you've activated (Vitality Health, Vitality Drive or Vitality Money), plus an additional 5% for having a Discovery Bank Suite. This discount structure is changing in 2023.

When do Discovery Miles expire?
Discovery Miles expire after 5 years from date of issue.

How many Discovery Miles are needed for a coffee or smoothie?
Visit the Discovery app to see how many Discovery Miles you need to redeem each reward.

How do I earn gameboard plays?
You earn a play for each Exercise or Drive goal you achieve. A play allows you to pick a tile on the Vitality Active Rewards gameboard to reveal Discovery Miles. You can spend your Discovery Miles on a range of rewards in the Discovery app.

When will I receive my play?
Your play will be available the Wednesday after you achieve your goal.

What benefits does a Vitality 65+ member get with Vitality Active Rewards?
As a Vitality 65+ member, the Vitality programme is enhanced to provide you with tailored health screening and boosted.

Once you complete your Vitality Health Check for 65+, you will get up to 25% off when you redeem any Vitality Active Rewards that are 350 Discovery Miles (D350) or over. This allows you to enjoy more rewards with your Discovery Miles.

You also get a fully funded Apple Watch with Vitality Active Rewards. Vitality 65+ members get the full activation fee refunded with the Apple Watch for 65+ benefit.

How do I find the Vitality Active Rewards benefit on the Discovery app?
Get started by making sure you have the latest version of the Discovery app on your mobile device. Download or update your Discovery app to the latest version on the Apple App Store or the Google Play Store. Log in to the app using the username and password that you used to register your profile on the Discovery website and then navigate to the Vitality page in the app. Tap on Vitality Active Rewards and follow the prompts to activate the benefit.

Do I need a Discovery Bank credit card to access Vitality Active Rewards?
No. However, having a credit card can provide a more satisfying experience with a more rewarding gameboard.
If you are the primary accountholder of any product that comes with Vitality Money, you can access Vitality Active Rewards through the Discovery Bank app. This includes all new Discovery Bank Transaction Accounts, Credit Card Accounts, Suites, or the Ðiscovery Account.

How do I earn plays?
You earn a play for each exercise, drive or money goal you achieve. A play allows you to pick a tile on the Vitality Active Rewards gameboard to reveal Discovery Miles. You can spend your Discovery Miles on a range of rewards in the Discovery app or at our online or in-store shopping partners, if you're a qualifying Discovery Bank client.

Can I use Vitality Active Rewards without an iPhone or Android device?
No. Vitality Active Rewards is only available on Apple iOS devices and Android smartphones. However we will continue to monitor which devices and operating systems our members are using and update future versions if necessary.

It was recommended that I get doctor's clearance in order to participate in Vitality Active Rewards?
Visit your local GP and have a check-up. Once your doctor has cleared you to exercise, activate Vitality Active Rewards.

Is Vitality Active Rewards available to anyone?
Vitality Active Rewards is only available to Vitality members 18 years and older with an active Vitality membership, or with an associated standalone benefit.

What happens if I join Vitality Active Rewards on a Friday? Do I get an extension on my goal?
The fitness points you earned in the week before you activated Vitality Active Rewards will count towards your goal.

What does this benefit offer Vitality members?
You can earn Vitality Active Rewards for reaching weekly, personalised fitness goals that automatically adjust based on factors including your past goal achievements. Rewards include drinks from KAUAI, Mugg & Bean and vida e caffè, and popcorn from Ster-Kinekor.

Your Exercise Goal

Why can't I link fitness device in the Discovery Bank app?
The functionality to link a fitness device is currently only available in the Discovery app. To seamlessly link your preferred fitness device, log in to the Discovery app and complete the following simple steps:

1. Select the Vitality tab at the bottom of the app screen and tap on the Vitality Health section.
2. Navigate to the Get Active section and select Devices and apps.
3. Choose the device or app from the list that you wish to link and agree to the terms.

Is there a limit to the rewards or points I can earn?
Yearly limits for fitness points only apply to your Vitality Health status, not to Vitality Active Rewards. This means that all fitness points will count towards achieving your weekly Vitality Active Rewards goals, whether or not you have reached 30,000 base fitness points, the yearly limit for Vitality fitness points. This is to keep you motivated to earn Vitality Active Rewards all throughout the year. Keep doing fitness activities to earn Vitality points! Daily points limits do apply such that if more than one fitness activity is completed in one day, only the higher points earning activity will count for points for that day - this rule applies to yearly limits and to Vitality Active Rewards.

If I activate Vitality Active Rewards, will this give me access to Vitality gym and fitness partners?
No, you need to activate each gym and fitness benefit separately, as certain terms and conditions will apply. If you have activated the gym and fitness benefits, you can use those partner facilities to earn Vitality Active Rewards points. For more information, click here.

How do you calculate my goal each week?
Goals are personalised to your activity levels, health status and the cardiovascular review that you may be asked to complete when you activate Vitality Active Rewards.

I did the necessary fitness events to achieve my goal but the points are not reflecting and I haven't received my reward?

• Make sure your Vitality points have synced with Vitality before the goal cycle closes every Friday at midnight. We allow until midnight on Tuesday night for data to come through before issuing rewards on Wednesday morning.
• If you are using a device or participating in a Vitality Race Event, sync your device or capture your race event points before the goal cycle closes on Friday night. If you did this and it still doesn't reflect, contact the Vitality call centre on 0860 99 88 77.
• If you choose to get active at a fitness facility with a Vitality iPad device, make sure you log in to the app with your Vitality membership number.

If you track your fitness activities on a fitness device or app, make sure your fitness device or app is linked to Vitality and that you sync it in time to reach your weekly goal.

If I work out on a Friday, will my points reflect before the goal cycle closes that night?
Your Vitality points may not reflect right away, but as long as you have captured your points - synced your device or captured your Vitality Race Events results - before Friday midnight then your points will count towards that week's goal.

If I achieve more Vitality fitness points than required to reach my goal will those points count as credit towards next week's goal?
No, you need to earn the required amount of Vitality points each week in order to achieve your goal for that week. Extra points will not be carried over from a previous week's goal.

Why did my new weekly exercise goal increase when I didn't achieve my last goal?
Vitality Active Rewards sets each weekly goal that takes your entire Vitality Active Rewards history into account. This means that it's possible for your goal to increase even if you didn't reach your goal in the last cycle, depending on all your previous goal cycles. It is also possible for your goal to remain the same even if you achieved it the previous week.

What are fitness days?
Fitness days are any day where you have earned at least 100 Vitality fitness points. This could include visiting the gym, tracking 100 or more steps using a Vitality-linked fitness device, or tracking a workout using a Vitality-linked fitness device.

Why does Vitality track performance metrics like fitness days and points?
You can track your own performance and try to improve your stats over time. You can also use these metrics to compare yourself to your friends and other Vitality Active Rewards members.

Your Spend Goal

I noticed that you are only counting my transactions when they are cleared and not on the date of my transaction. Why is this?
We only count your transactions once they have been cleared, and not on the date of your transaction.

By measuring qualifying spend for Vitality Active Rewards this way, we can provide you with a more accurate view of your Spend points. This lowers the chances of your earned points being reduced later if the final processed amount changes.

Why do my transactions have to clear before I earn spend points?
When you spend with your Discovery Bank card, transactions show up as "pending" in the linked account's transaction list quickly. Sometimes merchants can take a few days to request funds from us, and for the transaction to be cleared. During that time, the final amount could change due to things like merchant holding fees, refunds, tips, and currency exchange rate fluctuations. Once a transaction is processed, we still count it towards the week in which the transaction was made.

While transactions are still pending, you will see these points reflected in your Spend ring as "pending," with a dark grey ring indicating the potential progress they will contribute to closing your Spend ring as soon as they have been processed. For example, if you have R300 of pending transactions in the current goal week, it will say "300 pending" under your Spend ring. Once these transactions have been processed - even if it only happens in the new goal week - they will still count towards the Spend goal for the week in which the transaction took place.

Is reaching a Spend goal not against the principle of responsible spending?
Our Vitality programmes and benefits are designed to promote responsible behaviour. Vitality Active Rewards encourages consistent behaviour each week, and Vitality Money discourages irresponsible spending.

Through the Vitality Money Financial Analyser, we can help you manage your money better by automatically categorising your transactions, creating budgets and mini-budgets, and setting alerts to help you meet your budget. You can use this tool to make sure that don't spend more of your disposable income than you can responsibly afford.

Your Spend goal is only unlocked if you maintain a minimum savings account balance. The Spend goal rewards you for consolidating your spend within Discovery Bank. The Spend goal follows the same principles applied with your Exercise and Drive goals, where your personal goal target is personalised based on your previous weeks' achievement history.

The Spend goal vary based on the average spend expected at your income level, based on whether you're a Gold, Platinum, Black, or Purple client, or have a Ðiscovery Account. These amounts are in line with the qualifying spend already applied for all your other Vitality Money dynamic lifestyle, travel, and integration rewards.

How is my Spend goal changing?
We've simplified the Spend goal to follow the same principles already applied to your Exercise and Drive goals, where you have a weekly, personalised goal target that increases or decreases based on your previous weeks' achievement history.

That means three changes for you:

1. Reaching your goal will be based on weekly spend where every R10 spent is 1 point towards your Spend goal, regardless of the number or size of your transactions.
2. Spend towards your weekly goal starts at 0 every week, with no more carry-over of Spend points week to week. If you overachieve, your goal you will get a Sneak Peek of a tile on the gameboard, allowing you to change your chosen tile and try to hit a higher value tile.
3. Your personal goal target will increase if your spend increases, and decreases if you consistently don't achieve your goal.

I have the iPhone benefit, what do I need to know about the changes?
New activations for the Vitality Active Rewards with iPhone benefit ended on 30 June 2023. Clients with active benefit will continue to earn monthly cash back rewards for the remainder of their existing iPhone budget period.

What happens if my transactions only clear after the next Tuesday?
If you have pending transactions that only clear after the Tuesday deadline, we will allocate Spend points retrospectively based on the transaction date once the merchant processes it. This means that even if a transaction is still pending after the Tuesday deadline, it will still count towards your Spend goal if it meets the criteria.

If a Spend goal is achieved retrospectively, you'll receive a play on the gameboard on the next Rewards Wednesday, automatically. There's no need to report anything to Vitality.

Why have you changed the goal requirements for me to close my Spend goal?
We are constantly updating our Vitality programmes and benefits to ensure they align with positive behavioural objectives. Our Vitality Active Rewards programme is designed to motivate you to consistently achieve your goals week-on-week and promote long-term positive behaviour change.

The Spend goal has been specifically created to encourage you to use your Discovery Bank card for transactions instead of cash, allowing for the Vitality Money Financial Analyser to accurately track your spending and send you smart alerts to help you stay within your budget.

We have introduced dynamic goal targets based on your previous goal achievement, and removed points carry over, to further encourage this behaviour and create a personalised goal for each client.

Why are you not allowing me to carry over my points for my Spend goal?
Weve aligned the Spend goal to follow the same principles already applied with your Exercise and Drive goals, which is that every Saturday you start a goal from zero, with no carry-over of points from your previous week's behaviour.

Vitality Active Rewards aims to drive consistent behaviour week-on-week, and in the case of the Spend goal it is to encourage you to use your Discovery Bank card instead of cash, and regularly transact in a way that allows for the Vitality Money Financial Analyser to accurately track your spend and help you remain within your chosen budgeting goals.

In addition, the gameboard is more rewarding than ever before - you can now earn back your spend on groceries, pharmacies, and fuel in Discovery Miles on a 1:1 rands to Discovery Miles ratio, up to a maximum of Ð1,500 per category. And if you manage to achieve two times your weekly Spend goal, you will be eligible for a Sneak Peek. This allows you to momentarily reveal a tile on the gameboard without selecting it, giving you the chance to earn even more Discovery Miles.

If my transaction has not cleared in time to achieve my Spend goal, will you still grant me a Gameboard play the following week?
Spend points are allocated retrospectively based on the transaction date once the merchant has processed it. Although these points may still show as 'pending' beyond the Tuesday after the goal week in which the transaction was made, if the Spend goal is retrospectively achieved after processing, a play will be awarded on the gameboard available on the next Rewards Wednesday. You don't need to worry about reporting this to Vitality as this is an automated process.

Explain the difference between Vitality Active Rewards spend goals and Vitality Money goals?
The Vitality Active Rewards programme has weekly goals. Achieve your Vitality Active Rewards spend goal when you save and spend with Discovery Bank. Maintain a minimum balance in your savings account and use your qualifying Discovery Bank card for your purchases. Get 1 spend point for every R10 spent.

Earn points and improve your Vitality Money status by achieving these monthly goals. By achieving your goals you can increase your savings, improve your financial knowledge, or both. At the start of each month, you'll get up to two personal goals. The number and type of goals available will depend on improvements that need to be made. You can attempt one or both of your goals each month and will earn points based on how many goals you have achieved over a four-month period.

How can I open a Discovery Miles account?
As a Discovery Bank client, you do not need to activate Discovery Miles. You automatically receive a Discovery Miles account with your qualifying Discovery Bank account.
Once you get your Discovery Bank account and activate it, we automatically open a Discovery Miles account for you.

What is the fee for a Discovery Miles account?
There are no separate fees for the Discovery Miles account or the ability to earn and spend Discovery Miles.

Explain the difference between Vitality Active Rewards goals and Vitality Money goals?
The Vitality Active Rewards programme has weekly goals. The money goal promotes responsible spending by rewarding you for swipes from your qualifying Discovery Bank card, while maintaining a minimum required Discovery savings balance. Spend a minimum of R20 on a single purchase to accumulate Discovery Miles towards your money goal.

Earn points and improve your Vitality Money status by achieving these monthly goals. By achieving your goals you can increase your savings, improve your financial knowledge, or both. At the start of each month, you'll get up to two personal goals. The number and type of goals available will depend on improvements that need to be made. You can attempt one or both of your goals each month and will earn points based on how many goals you have achieved over a four-month period.

Instant Rewards

What are instant rewards?
Instant rewards are rewards that you can get as soon as you reach your goal. These can include a free coffee or the opportunity to make a donation to one of Vitality's charitable initiatives through MoveToGive. If you prefer to wait, you can play the gameboard on Rewards Wednesday to see what Discovery Miles you can earn. When you do choose an instant reward, you can use it right away as soon as you complete your goal ring.

What is a boosted instant reward?
A boosted instant reward is a more valuable instant reward that you can redeem when you achieve an exercise goal streak. Streaks of 5, 10, 15, 25, 50 and multiples of 100 qualify.

Active X

What is a Rewards Multiplier?
The Rewards Multiplier allows you to double the value of the tile that you have selected on the gameboard. You will earn a Rewards Multiplier for the first time you achieve the following exercise goal streaks: 5, 10, 15, 25, and 50. Thereafter, you will earn a Rewards Multiplier for every 100 (and multiples of 100) exercise goal streak you achieve. You can also choose to boost your instant reward with the Rewards Multiplier and receive a more valuable instant reward as you achieve your goal. A Rewards Multiplier cannot be carried over to the following week and will be applied automatically to the first tile selected.

What is a Sneak Peek?
The Sneak Peek allows you to view a tile and gives you the option to select another tile without losing your play. You can earn the Sneak Peek by earning double the points to achieve your Exercise and Spend goals or by having a perfect Drive week. You can earn up to one Sneak Peek per activity ring per month - this works out to three sneak peeks per a for members with active exercise, spend and drive rings. A Sneak Peek cannot be carried over to the following week.

What is a Rest Week?
A Rest Week allows you to take a break from your Exercise goal for a week. You need to achieve 25 consecutive exercise goals to earn a Rest Week. Your Rest Week does not expire and can be used at any time for when you are unable to achieve your current or previous exercise goal. It cannot be used to complete a future dated goal or a goal that has passed more than one goal cycle.

Can I double all my Discovery Miles earned with a Rewards Multiplier?
With the Rewards Multiplier, when you achieve an exercise goal streak, you can double your rewards in the form of a boosted Instant Rewards or Discovery Miles equal to double the tile value of your first gameboard play. In other words, if you earn more than one gameboard play (because of closing multiple rings), the Rewards Multiplier will only apply to the Discovery Miles uncovered from the first gameboard play.

Can I use a Rest Week for a missed goal two weeks ago?
You can only apply a Rest Week to the current or previous week and cannot apply a Rest Week to a goal that has passed more than one goal cycle. If you want to apply a Rest Week to a given goal week, you will need to do so before the following Tuesday at midnight before the next Rewards Wednesday.

Partner Spend Tiles

What are Pharmacy Tiles on the gameboard?
Pharmacy Tiles give you rewards for your pharmacy purchases at our pharmacy partners. When you reveal a Pharmacy Tile on your gameboard, you will earn your highest purchase from Clicks or Dis-Chem from the previous week in Discovery Miles on a 1:1 rands to Discovery Miles ratio.

For example, if your maximum pharmacy spend transaction for last week was R1,000, and you select a Pharmacy Tile on the gameboard, you will be able to earn 1,000 Discovery Miles. The pharmacy tile is capped at a maximum earn of 1,500 Discovery Miles per week, based on your Discovery Bank account.

What are Fuel Tiles on the gameboard?
Fuel Tiles give you rewards for your fuel purchases at our fuel partners. When you reveal a Fuel Tile on your gameboard, you will earn Discovery Miles on your highest purchase at BP garages and select Shell garages for the previous week on a 1:1 rands to Discovery Miles ratio.

For example, if your maximum fuel spend transaction for last week was R1,000, and you select a Fuel Tile on the gameboard, you will earn 1,000 Discovery Miles. The fuel tile is capped at a maximum earn of 1,500 Discovery Miles per week based on your Discovery Bank account.

What are Grocery Tiles on the gameboard?
Grocery Tiles give you rewards for your purchases at our grocery partners. When you reveal a Grocery Tiles on your gameboard, you will earn your highest purchase at Checkers or Woolworths from the previous week in Discovery Miles on a 1:1 rands to Discovery Miles ratio .

For example, if your maximum grocery spend transaction for last week was R1,000, and you select a Grocery Tile on the gameboard, you will be able to earn 1,000 Discovery Miles. The Grocery Tile is capped at a maximum earn of 1,500 Discovery Miles per week, based on your Discovery Bank account.

How do you calculate the value of the tiles?
We use the highest purchase spend from the week before for each spend category (groceries, pharmacy, fuel). These purchases are recorded once a transaction at a partner store is processed. The amount for each spend category is then converted to Discovery Miles on a 1:1 rand to Discovery Miles ratio. For example, a spend of R500 will be converted to 500 Discovery Miles.

General Active Rewards

Why have you changed the programme again?
We are constantly updating our Vitality programmes and benefits to ensure they align with positive behavioural objectives. Our Vitality Active Rewards programme is designed to motivate you to consistently achieve your goals week-on-week and promote long-term positive behaviour change.

What is the Discovery Tile?
The Discovery Tile appears based on the number of additional Discovery products you have, allowing you to earn up to 750 Discovery Miles when this tile is revealed on the gameboard. The value of your Discovery Tile is based on the products you have with different Discovery businesses:

1. Discovery Bank
2. Discovery Health
3. Discovery Life
4. Discovery Insure
5. Discovery Invest

I have Vitality, why does it not show up on my Discovery Tile?
The Discovery Tile appears based on the number of additional Discovery products you have, allowing you to earn up to 750 Discovery Miles when this tile is revealed on the gameboard. The value of your Discovery Tile is based on the products you have with different Discovery businesses:

1. Discovery Bank
2. Discovery Health
3. Discovery Life
4. Discovery Insure
5. Discovery Invest

Why can't I play the gameboard on the Discovery app?
If you have a qualifying Discovery Bank product with Vitality Money, then you will access the enhanced gameboard in the Discovery Bank app, and you will not be able to play the gameboard in the Discovery app.

Discovery Miles

What are Discovery Miles?
Discovery Miles is Discovery's shared-value rewards currency that you can earn for getting healthy, driving well and spending responsibly.

You can spend your Discovery Miles at a range of in-store and online partners. You can also redeem them to get vouchers with Vitality Active Rewards, spend them on prepaid products and services, use them for travel, exchange them for cash, and more.

You can earn Discovery Miles in a number of ways, including:

1. Getting Discovery Miles from HealthyLiving purchases and Vitality rewards.
2. Earning thousands of Discovery Miles with Vitality Active Rewards.
3. Getting rewarded on fuel spend and Uber rides.
4. Exercising and driving responsibly.
5. Shopping with your Discovery Bank credit card.

For more information on how and where you can earn Discovery Miles, please see the Discovery Miles page or Discovery Bank's Discovery Miles brochure.

Why can I no longer earn Discovery Miles for getting active and driving well?
During the COVID-19 pandemic, we introduced a campaign where members could earn 1 Discovery Mile for each exercise point they achieved - due to the limited options members had to earn exercise points at the time. This campaign was later extended to include earning Discovery Miles for good driving. This campaign came to an end on 30 December 2022, the last goal cycle for 2022.

In 2023, as part of the new Vitality Active Rewards platform, we introduced new Exercise, Drive and Spend tiles in the Vitality Active Rewards gameboard so members can earn their exercise, spend and drive points back as Discovery Miles on a tile if they achieve their goal.

Will I be able to earn Discovery Miles for getting active and driving well again?
Yes. Our enhanced Vitality Active Rewards structure introduces new exercise, drive, and money tiles on the gameboard in the Discovery Bank app. These tiles make it possible for members to earn their exercise, spend, and drive points back as Discovery Miles on a tile if they achieve their goal.

How many Discovery Miles can I earn a week with Vitality Active Rewards?
The enhanced gameboard offers far richer rewards than the bonus play on the gameboard. With a combination of Sneak Peeks, Rewards Multipliers, plus personalised Spend and Activity tiles, members can a earn up to a potential 6,000 Discovery Miles a week on the new and enhanced gameboard.

How can I open a Discovery Miles account?
How can I open a Discovery Miles account? As a Discovery Bank client, you do not need to activate Discovery Miles. You automatically receive a Discovery Miles account with your qualifying Discovery Bank account.

Once you get your Discovery Bank account and activate it, we automatically open a Discovery Miles account for you.

What is the fee for a Discovery Miles account?
There are no separate fees for the Discovery Miles account or the ability to earn and spend Discovery Miles.

How do I earn Discovery Miles?
You can earn Discovery Miles in the following ways:

• Get up to 75% back in Discovery Miles on your HealthyLiving spend when you shop at Checkers and Woolworths and up to 50% back in Discovery Miles at Clicks, Dis-Chem, Sportsmans Warehouse and Totalsports. Vitality Health members without a Discovery Bank account will still get their up to 25% reward paid in cash and into their nominated bank account.
• Earn hundreds of Discovery Miles through Vitality Active Rewards for getting healthy, driving well and spending responsibly.

As a Discovery Bank credit card holder, you'll earn up to 20% back in Discovery Miles when you fill up at BP and selected Shell service stations or catch a ride with Uber. Plus, earn up to 1 Discovery Mile for every R15 on all qualifying purchases every time you shop in store or online.

Where can I spend Discovery Miles?
You can spend your Discovery Miles on just about anything, including:

• Spending them on Vitality Active Rewards on the Discovery app.
• Shopping with them online and in-store at select partners using the Discovery Bank app.
• Spending them on travel by using them for flights, accommodation and package bookings.
• Converting them to travel rewards from other travel partner programmes.
• Spending them on prepaid services and products, such as airtime, data bundles and electricity.
• Monetising them by exchanging them for cash, which is paid straight into your Discovery Bank account.
• Using them to pay any of your contacts who have a Discovery Miles account with Discovery Bank.

What can I spend my Discovery Miles on?

Shop online

You can use your Discovery Miles to pay for purchases when you shop online at one of our partner stores. Simply choose Discovery Miles as the payment method when you check out and you'll be prompted to log in with your Discovery Digital ID to access your Discovery Miles.

The exchange rate for online shopping is 10 Discovery Miles to R1. You can also use your Discovery Miles to pay for a part of the total amount, and then use your Discovery Bank Card to settle the rest.

Shop in store

You can use your Discovery Miles to pay for in-store purchases at select partners by using the Discovery Bank app. If you want to use your Discovery Miles in store, then:

• Log in to the Discovery Bank app
• Choose your Discovery Miles account
• Tap on Pay and then on Pay in store
• Add the amount you want to spend
• And then tap Generate QR code.

Now simply show the QR code to the cashier to pay with your Discovery Miles.

Spend your Discovery Miles on travel

You can use your Discovery Miles to pay for flights, accommodation and more.
All flight and accommodation bookings need to be booked through Vitality Travel. To pay with your Discovery Miles, simply choose Discovery Miles as the payment option when you check out.
To use your Discovery Miles for travel bookings with Contiki, World Leisure Holidays and Royal Caribbean International, simply tell your booking agent that you would like to pay using Discovery Miles and they will help you complete the transaction.

Monetise your Discovery Miles

You can exchange your Discovery Miles for cash, which is paid straight into one of your Discovery Bank accounts. The conversion rate for exchanging your Discovery Miles for cash is R1 for every 10 Discovery Miles.
To exchange your Discovery Miles for cash:

• Log in to the Discovery Bank app
• Choose your Discovery Miles account
• Tap on Monetise
• Select the amount you want to transfer
• Select the account to transfer into.

The cash will be available immediately in your chosen account for you to spend however you want.

Transfer Discovery Miles to a friend or family member

You can also transfer Discovery Miles to family and friends, as long as they have a Bank Discovery Miles account. There is no conversion fee if you transfer Discovery Miles between accounts. To transfer Discovery Miles to someone else:

• Log in to the Discovery Bank app
• Choose your Discovery Miles account
• Tap on Pay
• Select the contact you want to transfer to
• Add the amount you want to transfer.

The transferred Discovery Miles will show immediately in the recipient's Discovery Miles account.

Spend on Vitality Active Rewards

You can spend any Discovery Miles earned through Discovery Bank in the Vitality Active Rewards mall. You'll need to have Vitality Active Rewards active.

If I have a Discovery Bank account, can I transfer my Discovery Miles and use them on Vitality Active Rewards?
YES! The Discovery Miles you earn from Active Rewards is paid into your Discovery Miles account together with the Discovery Miles you earn from swiping. You can use your Discovery Miles earned from anywhere in the Discovery ecosystem to spend on rewards in Vitality Active Rewards.

The Vitality Active Rewards money goal incentivises people to swipe more (in other words, spending more), is this in-line with helping people manage their debt?
We know that our clients are spending regularly, and we want to reward you for using your Discovery Bank card, which is an efficient, safe and convenient method of payment. Vitality Active Rewards has been designed to keep your Discovery Bank card top of mind and maximise your benefits, ensuring a balance between spending and saving. Importantly, however, we want to encourage responsible spending, which means we don't want your day-to-day spending to impact your savings levels. If your savings levels drop below a minimum level, your money ring will reset.

You will lose Vitality Money points if your behaviour causes your financial health to deteriorate. You can check your Vitality Money points and status on the Discovery Bank app to see what impact these changes have on your financial health. As a behavioural bank, Discovery Bank works with Vitality Money to help you bank better and reward you for reaching your financial goals. Because of this, we have built Vitality Money into the Discovery Bank product selection.

Will my 36 gym visits requirement affect my Vitality Active Rewards?
No, they will not affect Vitality Active Rewards.

Is there a limit to the rewards or points I can earn?
Yearly limits for fitness points only apply to your Vitality status, not to Vitality Active Rewards. This means that all fitness points will count towards reaching your weekly Active Rewards goals, whether or not you have reached 30 000 base fitness points, the yearly limit for Vitality fitness points. This is to keep you motivated to earn Vitality Active Rewards all throughout the year. Keep doing fitness activities to earn Vitality points! Daily points limits do apply such that if more than one fitness activity is completed in one day, only the higher points earning activity will count for points for that day - this rule applies to yearly limits and to Vitality Active Rewards.

Will my 36 gym visits requirement affect my Vitality Active Rewards?
No, they will not affect Vitality Active Rewards.

If I activate Vitality Active Rewards, will this give me access to Vitality gym and fitness partners?
No, you need to activate each gym and fitness benefit separately, as certain terms and conditions will apply. If you have activated the gym and fitness benefits, you can use those partner facilities to earn Vitality Active Rewards points. For more information, click here.

How many friends can I invite to Vitality Active Rewards?
You can add an unlimited number of friends to compete against and challenge on Vitality Active Rewards. You can also track your own weekly progress against your friends' on your leaderboard.

How do I find the Vitality Active Rewards benefit on the Discovery app?
Get started by making sure you have the latest version of the Discovery app on your mobile device. Download or update your Discovery app to the latest version on the Apple App Store or the Google Play Store. Log in to the app using the username and password that you used to register your profile on the Discovery website and then navigate to the Vitality page in the app. Tap on Vitality Active Rewards and follow the prompts to activate the benefit.

How long is my reward valid for?
You can spend your Vitality reward points on exciting rewards of your choice ranging from coffees and smoothies to shopping rewards and dream holidays. These rewards have varying expiry dates, limits, terms and conditions. For more information on rewards you can view the rewards benefit guide.

Why is there a difference between my Vitality Points Monitor (Activity History on the Vitality website) and the Vitality Active Rewards Activity History?

• The Vitality Points Tracker is on the Discovery website discovery.co.za and shows all your Vitality points-earning activities including fitness points, points for doing assessments or for buying HealthyFood.
• The Activity History under Vitality Active Rewards on the Discovery app only shows the Vitality fitness points you've earned that count towards your weekly Vitality Active Rewards goal. Any difference in points is due to the annual fitness points limit which does not apply to Vitality Active Rewards but does apply to Vitality status.

Why does my friend have a different goal from mine?
Goals are personalised to your activity levels, health status and the cardiovascular review that you may be asked to complete when you activate Vitality Active Rewards.

By when do I need to sync my device or app to receive my reward?
You need to sync your fitness device or app to Vitality within your weekly goal cycle, which ends each Friday at 12:00 PM. If you don't sync your device or app before your goal cycle expires, you won't receive your points and so won't reach your weekly goal to earn that week's reward.

How do you calculate my goal each week?
Goals are personalised to your activity levels, health status and the cardiovascular review that you may be asked to complete when you activate Vitality Active Rewards.

I received an invite on email from a friend to join their Vitality Active Rewards network but can't find the invite in the app?
Make sure you have activated the Vitality Active Rewards benefit on your Discovery app. You'll need to have the latest version of the Discovery app installed on your Apple or Android smartphone. Then go back to the friend invite email on your mobile device and tap the 'Accept' button. You will be taken to the friends section of Vitality Active Rewards on your Discovery app. Here you'll see the invite from your friend and you'll be able to accept or decline it.

What happens if I join Vitality Active Rewards on a Friday? Do I get an extension on my goal?
The fitness points you earned in the week before you activated Vitality Active Rewards will count towards your goal.

I did the necessary fitness events to achieve my goal but the points are not reflecting and I haven't received my reward?

• Make sure your Vitality points have synced with Vitality before the goal cycle closes every Friday at midnight. We allow until midnight on Tuesday night for data to come through before issuing rewards on Wednesday morning.
• If you are using a device or participating in a Vitality Race Event, sync your device or capture your race event points before the goal cycle closes on Friday night. If you did this and it still doesn't reflect, contact the Vitality call centre on 0860 99 88 77.
• If you choose to get active at a fitness facility with a Vitality iPad device, make sure you log in to the app with your Vitality membership number.
• If you track your fitness activities on a fitness device or app, make sure your fitness device or app is linked to Vitality and that you sync it in time to reach your weekly goal.

Why is there a delay in my points being awarded?

• Each weekly goal cycle runs from Friday midnight to the next Friday midnight.
• This means that you need to earn your fitness points each weekly goal by Friday, 00:00PM.
• These Vitality points may not reflect right away, but as long as you have captured your points - synced your device, checked in on the iPad points device at your fitness facility, earned your points at a parkrun event or captured your Vitality race event - before Friday midnight, then your points will count towards that week's goal.
• We allow until Tuesday midnight for the points you've earned by Friday midnight the previous week to reflect.
• Rewards are only awarded on Wednesday so that there is enough time for the points you earned to pull through.

If I work out on a Friday, will my points reflect before the goal cycle closes that night?
Your Vitality points may not reflect right away, but as long as you have captured your points - synced your device or captured your Vitality Race Events results - before Friday midnight then your points will count towards that week's goal.

If I achieve more Vitality fitness points than required to reach my goal will those points count as credit towards next week's goal?
No, you need to earn the required amount of Vitality points each week in order to achieve your goal for that week. Extra points will not be carried over from a previous week's goal.

Why did my new weekly goal increase when I didn't achieve my last goal?
Vitality Active Rewards sets each weekly goal that takes your entire Vitality Active Rewards history into account. This means that it's possible for your goal to increase even if you didn't reach your goal in the last cycle, depending on all your previous goal cycles. It is also possible for your goal to remain the same even if you achieved it the previous week.

How do I view which activities or events Vitality has received data for?
You can view your activities in the 'Activity History' section on your Vitality Active Rewards home screen in the Discovery app.

Can I use Vitality Active Rewards without an iPhone or Android device?
No. Vitality Active Rewards is only available on Apple iOS devices and Android smartphones. However we will continue to monitor which devices and operating systems our members are using and update future versions if necessary.

It was recommended that I get doctor's clearance in order to participate in Vitality Active Rewards? What must I do?
Visit your local GP and have a check-up. Once your doctor has cleared you to exercise, activate Vitality Active Rewards.

My reward QR/wiCode code isn't working
Let the cashier at the reward partner scan your smartphone with the QR code of your selected reward on your app. You can also manually enter the wiCode underneath the QR code at the till point. If that doesn't work, please ask them to call their head office for help.

I reversed my QR code and now it doesn't work. Can I get a new one?
Yes. If you redeemed your Vitality Active Reward, then cancelled it and the cashier reversed the transaction, your QR code will no longer work. You can then call the Vitality call centre on 0860 99 88 77 and inform them that your reward was reversed. The agent will verify this and issue you with another reward for the same Vitality Active Rewards partner. The new reward will be active for two weeks from date of issue.

Can I redeem my Vitality Active Reward with any other partner discount?
No. You can't redeem a Vitality Active Reward in conjunction with any other special offers or partner promotion in-store. Please check the back of your Vitality Active Reward to see the redeemable products available.

Is Vitality Active Rewards available to anyone?
Vitality Active Rewards is only available to Vitality members 18 years and older with an active Vitality membership, or with an associated standalone benefit.

Why do I need to give consent to share my details with other Vitality Active Rewards members?
In order to compete against your friends and others in the Vitality Active Rewards programme, it is necessary to consent to reveal your name and goal progress so that you can see where you stand relative to others.

What are fitness days?
Fitness days are any day where you have earned at least 100 Vitality fitness points. This could include visiting the gym, tracking 100 or more steps using a Vitality-linked fitness device, or tracking a workout using a Vitality-linked fitness device.

Apple Watch Benefit with Vitality Active Rewards

What is the Vitality Active Rewards with Apple Watch benefit?
Apple's groundbreaking health and fitness companion, Apple Watch, combined with Vitality Active Rewards will help motivate and encourage you to get more active.

Vitality Active Rewards has been designed to work seamlessly with your Apple Watch. While Apple Watch measures and tracks your activity, Vitality Active Rewards sets your weekly personalised exercise goals and rewards you for achieving them.

As a Vitality member who is a primary or secondary cardholder with a Discovery Bank credit card, you can fully fund your Apple Watch by achieving all your weekly Vitality Active Rewards exercise goals for 24 months.

What do I need to pay to activate the Vitality Active Rewards with Apple Watch benefit?
You'll need to pay a non-refundable activation fee of R1,199 using your qualifying Discovery Bank credit card.

For Vitality 65+ members, we have waived the activation fee of R1,199 for the Vitality Active Rewards with Apple Watch benefit. So, while you will pay this amount upfront to activate the benefit, we will refund the full activation fee into your qualifying Discovery Bank credit card.

If you are a Vitality 65+ member and you activate the Vitality Active Rewards with Apple Watch benefit, you can choose one of the following:

• An Apple Watch Series SE GPS Aluminum Case Sport 40 mm
• An Apple Watch Series 10 GPS Aluminum Case Sport 42 mm

Important: This benefit does not apply to Apple Watch 1, Apple Watch Series 1 Apple Watch Series 2, Apple Watch Series 3, Apple Watch Series 4, Apple Watch Series 5, Apple Watch Series 6, Apple Watch Series 7, Apple Watch Series 8, Apple Watch Series 9, Apple Watch Ultra and Apple Watch Ultra 2.

If you get an Apple Watch model that is not included in our Vitality Active Rewards with Apple Watch benefit, you will have to pay the difference in price yourself, directly to iStore.

Why does Vitality track performance metrics like fitness days and points?
You can track your own performance and try to improve your stats over time. You can also use these metrics to compare yourself to your friends and other Vitality Active Rewards members.

How do I activate the Vitality Active Rewards with Apple Watch benefit?

1. Download or update to the latest version of the Discovery app to your iPhone.
2. Navigate to 'Vitality Active Rewards' and select 'Apple Watch.'
3. Click on the 'Get started' button. Please note: Only one member per Vitality Health policy can activate this benefit every 24 months.

Follow the process as instructed by confirming your details and paying a non-refundable R1,199 activation fee using your Discovery Bank credit card.

Can I gift my Apple Watch to someone else?
You can, but remember that if you do so, your personal Vitality Active Rewards goals will still be used for this benefit. This means that if you don't meet your commitment to achieve all your weekly Vitality Active Rewards goals for 24 months, it will be considered a breach of your warranty and your own primary Discovery Card will be deducted monthly, as applicable.

Can my Vitality Active Rewards with Apple Watch benefit be cancelled?
It can, if you breach your warranty. Your Vitality Active Rewards with Apple Watch benefit will be cancelled if:

• You cancel your benefit, your Vitality Health policy, your Vitality Active Rewards benefit, or your primary Discovery Card;
• You downgrade to a Vitality Health policy or Discovery Card that does not cater for this benefit;
• You reduce the straight or credit card limit of your Discovery Card to lower than the limit required to be eligible for this benefit;
• Your primary qualifying Discovery Card is no longer in good standing.
• View the Vitality Active Rewards with Apple Watch benefit guide for more information.
• If your benefit is cancelled, your activation fee will not be refunded, and you cannot return your Apple Watch to Discovery Vitality. You will then become liable for the full remaining cost of your Apple Watch which Discovery Vitality will collect from your primary Discovery Card.

How do I activate the Vitality Active Rewards with Apple Watch benefit?

• Download or update to the latest version of the Discovery app to your iPhone.
• Navigate to 'Vitality Active Rewards' and select 'Apple Watch.'
• Click on the 'Get started' button. Please note: Only one member per Vitality Health policy can activate this benefit every 24 months.
• Follow the process as instructed by confirming your details and paying a non-refundable R1,199 activation fee using your primary Discovery Card.

How do I redeem my proof of payment to collect my Apple Watch?

• Once you have paid your activation fee, you will get a digital proof of payment, which you can access any time on your Discovery app.
• Use your proof of payment to collect your Apple Watch Series SE GPS Aluminum Case Sport 40mm or Apple Watch Series 10 GPS Aluminum Case Sport 42mm at your nearest iStore. It cannot be used online.
• Your Apple Watch proof of payment is not transferable. It cannot be exchanged for cash or any other iStore product.

Can I transfer my Apple Watch?

No, you can't transfer the Vitality Active Rewards with Apple Watch to a dependent on your Vitality Health policy. Your dependant needs to log in on their own profile to activate the benefit and earn an Apple Watch.

Can I trade-in my Apple Watch?
If you wish to trade-in your current Apple Watch, you can contact iStore directly.

If you choose to go directly to the iStore and trade in your current Apple Watch without paying the remaining costs still owed on your current Apple Watch, you will still be under obligation to pay the applicable monthly penalty amount.

I am due an Apple Watch penalty refund, when can I expect my refund?
Apple Watch penalty refunds are run weekly after the Apple Watch billing date of the 10th of the month. Your refund will reflect in your Discovery Card and you will receive a notification once your refund has been processed.

I received an Apple Watch penalty SMS notification and an SMS indicating the reversal of the Apple Watch penalty amount.
We send two Apple Watch penalty notifications, the first notification indicates that the penalty amount has been reserved, the second notification is sent when the penalty amount is deducted to reverse the reserved funds. You are only deducted for one penalty amount.

Is there a monthly fee that I need to pay for the Apple Watch?
If you meet all your weekly Vitality Active Rewards exercise goals for 24 months, Discovery Vitality will fund your Apple Watch in full. If you don't meet your goals, your primary Discovery Card will be deducted by a monthly penalty amount that is calculated as a percentage of the retail price.

For example, the table below is based on a retail price of R7,400. If you didn't meet all your goals in a month, your Discovery Card would be deducted by up to R308.33 a month for 24 months (pricing subject to change). If you achieved three of your four Vitality Active Rewards goals that month, just R154.16 would be debited due to your engagement in Vitality Active Rewards.

My Apple Watch penalty amount is incorrect.
Your Apple Watch penalty amount is calculated based on the number of weekly Vitality Active Rewards goals you achieved in a month. This amount is calculated as a percentage of the retail price of Apple Watch Series SE GPS or Apple Watch Series 10 GPS at time of collection from iStore.

For an example on how to calculate the Apple Watch monthly amount, please look at the benefit guide.

If your Discovery Card has been deducted with the incorrect Apple Watch penalty amount, go to the Discovery App and navigate to Activity History under Vitality Active Rewards to verify that the Activity History is reflecting the correct number of goals achieved in the month.

If the Activity History is reflecting the

• Correct number of goals achieved, and a refund is due, this will be automatically calculated and paid into your Discovery Card on a Friday.
• Incorrect number of goals achieved, please log a query below to have your goals corrected. Once your goals have been rectified, if a refund is due, this will be calculated and paid into your Discovery Card on a Friday.

What if I want to select a different Apple Watch or another model?
This benefit is available for the Apple Watch Series SE GPS Aluminum Case Sport 40mm or Apple Watch Series 10 GPS Aluminum Case Sport 42mm, so if you'd like to select a different model, you need to pay the price difference upfront at the iStore.

What is the Vitality Active Rewards with Apple Watch benefit?
Apple's groundbreaking health and fitness companion, Apple Watch, combined with Vitality Active Rewards will help motivate and encourage you to get more active.

Vitality Active Rewards has been designed to work seamlessly with your Apple Watch. While Apple Watch measures and tracks your activity, Vitality Active Rewards sets your weekly personalised exercise goals and rewards you for achieving them.

As a Vitality member, you can fully fund your Apple Watch by achieving all your weekly Vitality Active Rewards exercise goals for 24 months.

Who qualifies for the Vitality Active Rewards with Apple Watch benefit?

All members with full Vitality qualify for a fully funded Apple Watch with Vitality Active Rewards.

The criteria needed to qualify for this benefit:

• Only the main member or spouse or adult dependant (21 years or older) on a policy qualify for the benefit.
• You need to pay a non refundable activation fee of R1,199 with your Discovery Bank credit card.
• However, for Vitality 65+ members we will refund the full activation fee once in a lifetime of R1,199 with the Apple Watch benefit. We pay this refund into your qualifying Discovery Bank credit card.
• You can only have one active Apple Watch per Vitality Health policy in a 24 month period.
• You need an iPhone XS or a later model and the latest version of iOS to use Apple Watch.
• You need to have activated Vitality Active Rewards. If you haven't yet activated the benefit, do so by downloading the latest version of the Discovery app and accessing Vitality Active Rewards under Vitality.
• You must have a qualifying Discovery Gold, Platinum, Black, Purple or Purple Wealth Card that is in good standing.
• You can also call us on 0860 99 88 77 to check the status of your card as it must be in good standing for you to qualify for this benefit. If you would like to join Discovery Bank and get a new Discovery Card, you can learn more here.
• • New Discovery Bank clients will have their minimum monthly qualifying spend defaulted to the maximum qualifying spend for the first two months, thereafter, the minimum qualifying spend will be calculated on a monthly basis.

You can request a limit increase online or on 0860 99 88 77.

Why is my Apple Watch penalty amount so high?
The reason for a higher penalty amount is that Vitality could not deduct your Discovery Card with the Apple Watch penalty amount for the previous Apple Watch goal cycle for various reasons such as: insufficient funds, frozen accounts etc. In instances where Vitality cannot deduct your Discovery Card for the above mentioned reason, Vitality will deduct your Discovery Card account with the outstanding Apple Watch penalty amount and the full monthly penalty fee for the current Apple Watch goal cycle, even though you may have reached all your Vitality Active Rewards Exercise goals in the current Apple Watch goal cycle.

Illustrative example: Apple Watch goal cycle for January 2023 - you achieved 2 goals and therefore your Apple Watch penalty for this cycle is 75%. Vitality was unable to deduct your Discovery Card due to insufficient funds on the 10th February 2023. You have an outstanding Apple Watch penalty of 75%. In the February 2023 Apple Watch goal cycle you achieved all 4 goals and you would not have had any penalty amount deducted to your Discovery Card on 10th March 2023. However, because you have an outstanding penalty amount from your January Apple Watch goal cycle of 75%, the goals you achieved in February 2023 will not be taken into account and you will be deducted the outstanding Apple Watch penalty for January (75%) + the full monthly penalty for February (100%) on the 10th March 2023.

Why is the benefit only applicable to Apple Watch and not Android devices?
The Vitality Active Rewards with Apple Watch benefit is part of a global collaboration with Apple, and so is currently only available with Apple Watch Series SE GPS 40mm and Series 10 GPS 42mm.

Vitality does cater for various device preferences - members can use their preferred fitness device or app to track their activity and earn Vitality Active Rewards by linking their device or app to Vitality.

Members can download the latest version of the Discovery app onto their iOS or Android smartphone to activate Vitality Active Rewards.

Also, with Vitality HealthyCare, Vitality members can get up to 50% back on various fitness devices through our partner stores. With Vitality Active Gear, Vitality members can get up to 75% upfront discount on various fitness devices through our partner stores.

Why was my Apple Watch penalty amount not deducted to my Discovery Card this month?
There are various reasons as to why your Discovery Card was not deducted with an Apple Watch penalty amount, these are:

• You achieved all your weekly Active Rewards goals in the previous month.
• Your Apple Watch billing cycle has not started.
• You received an Apple Watch Welcome notification that incorrectly indicated the Apple Watch goal period that would be used to calculate your Apple Watch penalty. To ensure that you were not prejudiced we moved your Apple Watch Billing cycle to match what was communicated to you in your Welcome notification.
• You haven't collected your Apple Watch. The Apple Watch billing cycle only starts the next full month after collecting your Apple Watch.

Will I be able to return my Apple Watch?
Returns on Apple Watch will be governed by the distributor's policies. To view these, visit www.istoreonline.co.za. If you return your Apple Watch, your R1,199 activation fee will not be refunded.

What does this benefit offer Vitality members?
You can earn Vitality Active Rewards for reaching weekly, personalised fitness goals that automatically adjust based on factors including your past goal achievements. Rewards include drinks from KAUAI, Mugg & Bean and vida e caffè, and popcorn from Ster-Kinekor.